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Bread Financial Holdings, Inc. BFH

Set alert

Price alert · BFH

All alert types
103.41 USD -2.25 -2.13%

At close

103.95 +0.54 +0.52%

Pre-market · Nov 2, 7:50 AM ET

Bid
103.33 × 1
Ask
103.55 × 1
101.72 Day range 104.83
59.26 52-week range 114.53
YTD
+39.69%
1 year
+67.03%
Open
104.03
Prev close
105.66
Mkt cap
3.93B
Vol
613.58K
Avg vol
526.60K
EPS
12.76
P/E
8.10
Div yield
0.87%
More statistics
Low
101.72
High
104.83
Forward P/E
7.46
Beta
1.18
Short ratio
0.07
Inst. own
111.01%
Dividend
1.00
Ex-div date
Nov 29, 2026
Earnings
Jan 28, 2027
50-d avg
103.80
200-d avg
91.58
1y target
115.25

5Y chart

Chart tools
Interval

Events in this range
  • Nov 8, 2021Split: 1253 for 1000
  • Nov 10, 2021Dividend: 0.21
  • Nov 11, 2021Dividend: 0.21
  • Feb 10, 2022Dividend: 0.21
  • May 12, 2022Dividend: 0.21
  • Aug 11, 2022Dividend: 0.21
  • Nov 10, 2022Dividend: 0.21
  • Dec 16, 2022Dividend: 0.21
  • Feb 9, 2023Dividend: 0.21
  • May 11, 2023Dividend: 0.21
  • Aug 10, 2023Dividend: 0.21
  • Nov 10, 2023Dividend: 0.21
  • Feb 8, 2024Dividend: 0.21
  • May 9, 2024Dividend: 0.21
  • Aug 9, 2024Dividend: 0.21
  • Nov 8, 2024Dividend: 0.21
  • Feb 14, 2025Dividend: 0.21
  • May 9, 2025Dividend: 0.21
  • Aug 8, 2025Dividend: 0.21
  • Oct 23, 2025Earnings: 4.02; estimate 2.11; surprise 90.52%
  • Nov 7, 2025Dividend: 0.23
  • Jan 29, 2026Earnings: 2.07; estimate 0.4; surprise 417.5%
  • Feb 27, 2026Dividend: 0.23
  • Apr 23, 2026Earnings: 4.18; estimate 3; surprise 39.33%
  • May 29, 2026Dividend: 0.23
  • Jul 23, 2026Earnings: 3.55; estimate 2.74; surprise 29.56%
  • Aug 31, 2026Dividend: 0.23
  • Sep 11, 2026Rating: Wells Fargo · — → Equal-Weight
  • Oct 1, 2026Rating: Evercore ISI Group · Outperform → Outperform
  • Oct 5, 2026Rating: Barclays · Equal-Weight → Equal-Weight
  • Oct 6, 2026Rating: TD Cowen · Hold → Hold
  • Oct 22, 2026Earnings: 3.84; estimate 3.34; surprise 14.97%
  • Oct 23, 2026Rating: TD Cowen · Hold → Hold
  • Oct 23, 2026Rating: Barclays · Equal-Weight → Equal-Weight
Signals (85)
NameDateAgo
SMA: BearishOct 30, 20262 days ago
SMA: BullishOct 26, 20261 week ago
SMA: BearishSep 21, 20261 month ago
MACD: Sell SignalSep 7, 20261 month ago
RSI: OverboughtAug 10, 20262 months ago
RSI: OverboughtJun 8, 20264 months ago
MACD: Buy SignalApr 13, 20266 months ago
SMA: BullishApr 6, 20267 months ago
SMA: BearishMar 23, 20267 months ago
SMA: BullishMar 16, 20267 months ago
SMA: BearishFeb 23, 20268 months ago
SMA: BullishFeb 16, 20268 months ago
SMA: BearishFeb 9, 20268 months ago
MACD: Sell SignalFeb 9, 20268 months ago
SMA: BullishFeb 2, 20269 months ago
SMA: BearishJan 19, 20269 months ago
RSI: OverboughtDec 15, 202510 months ago
MACD: Buy SignalNov 17, 202511 months ago
SMA: BullishOct 20, 20251 year ago
SMA: BullishOct 13, 20251 year ago
SMA: BearishOct 6, 20251 year ago
MACD: Sell SignalSep 29, 20251 year ago
SMA: BearishSep 22, 20251 year ago
SMA: BullishJun 23, 20251 year ago
MACD: Buy SignalJun 2, 20251 year ago
SMA: BullishApr 28, 20251 year ago
SMA: BearishFeb 24, 20251 year ago
SMA: BearishFeb 17, 20251 year ago
SMA: BullishFeb 10, 20251 year ago
SMA: BearishFeb 3, 20251 year ago
MACD: Sell SignalJan 27, 20251 year ago
MACD: Buy SignalJan 20, 20251 year ago
SMA: BullishJan 13, 20251 year ago
SMA: BearishJan 6, 20251 year ago
MACD: Sell SignalJan 6, 20251 year ago
MACD: Buy SignalNov 11, 20241 year ago
SMA: BullishNov 4, 20241 year ago
MACD: Sell SignalSep 23, 20242 years ago
SMA: BearishSep 9, 20242 years ago
RSI: OverboughtAug 26, 20242 years ago
RSI: OverboughtJul 8, 20242 years ago
MACD: Buy SignalApr 29, 20242 years ago
SMA: BullishApr 22, 20242 years ago
MACD: Sell SignalApr 15, 20242 years ago
SMA: BearishApr 1, 20242 years ago
SMA: BullishMar 25, 20242 years ago
SMA: BearishMar 18, 20242 years ago
SMA: BullishJan 22, 20242 years ago
SMA: BullishJan 22, 20242 years ago
SMA: BearishJan 15, 20242 years ago
SMA: BearishJan 1, 20242 years ago
SMA: BullishDec 11, 20232 years ago
MACD: Buy SignalDec 11, 20232 years ago
SMA: BullishNov 27, 20232 years ago
SMA: BearishOct 2, 20233 years ago
MACD: Sell SignalOct 2, 20233 years ago
SMA: BearishSep 4, 20233 years ago
SMA: BullishJul 10, 20233 years ago
MACD: Buy SignalMay 29, 20233 years ago
SMA: BullishMay 15, 20233 years ago
MACD: Sell SignalMar 13, 20233 years ago
SMA: BearishMar 6, 20233 years ago
SMA: BearishMar 6, 20233 years ago
SMA: BullishFeb 27, 20233 years ago
SMA: BearishFeb 20, 20233 years ago
SMA: BullishJan 16, 20233 years ago
SMA: BearishJan 9, 20233 years ago
SMA: BullishJan 2, 20233 years ago
SMA: BullishJan 2, 20233 years ago
SMA: BearishDec 19, 20223 years ago
SMA: BearishNov 14, 20223 years ago
SMA: BullishNov 7, 20223 years ago
SMA: BullishOct 24, 20224 years ago
MACD: Buy SignalOct 24, 20224 years ago
MACD: Sell SignalOct 3, 20224 years ago
SMA: BearishAug 22, 20224 years ago
SMA: BullishAug 8, 20224 years ago
MACD: Buy SignalAug 8, 20224 years ago
RSI: OversoldJun 20, 20224 years ago
SMA: BearishJun 6, 20224 years ago
SMA: BullishMay 23, 20224 years ago
SMA: BearishFeb 21, 20224 years ago
SMA: BullishJan 31, 20224 years ago
SMA: BearishJan 17, 20224 years ago
SMA: BullishJan 10, 20224 years ago

Key statistics

Market cap
3.92B
Enterprise value
3.18B
Trailing P/E
8.10
Forward P/E
7.46
PEG ratio
2.30
Price / sales
1.46
Price / book
1.14
EPS (TTM)
12.76
Beta
1.18
Dividend yield
0.95%
Payout ratio
7.21%
Profit margin
19.95%
Revenue (TTM)
2.69B
Revenue growth
3.60%
Free cash flow
0
Total cash
3.96B
Total debt
3.13B
Return on equity
15.87%
Shares outstanding
37.96M
Short % of float
0.16%
50-day average
103.80
200-day average
91.58

Analyst view

Consensus: buy

Buy
Price target (mean) 115.25 +11.4% upside
Target (low)
86.00
Target (mean)
115.25
Target (high)
131.00
Ratings (0m) 17 8 buy · 8 hold · 1 sell
  • Strong buy1
  • Buy7
  • Hold8
  • Sell0
  • Strong sell1

Next earnings

Jan 28, 2027

Expected Jan 28, 2027. Consensus EPS estimate 1.52.

Earnings history

Financials — quick view

All financials
BFH Revenue — quarterly 696.00M
2022-Q4 20222023-Q1 20232023-Q2 20232023-Q3 20232023-Q4 20232024-Q1 20242024-Q2 20242024-Q3 20242024-Q4 20242025-Q1 20252025-Q2 20252025-Q3 20252025-Q4 20252026-Q1 20262026-Q2 20262026-Q3 2026
BFH Net income — quarterly 156.00M
2022-Q4 20222023-Q1 20232023-Q2 20232023-Q3 20232023-Q4 20232024-Q1 20242024-Q2 20242024-Q3 20242024-Q4 20242025-Q1 20252025-Q2 20252025-Q3 20252025-Q4 20252026-Q1 20262026-Q2 20262026-Q3 2026
BFH EPS — quarterly 3.91
2022-Q4 20222023-Q1 20232023-Q2 20232023-Q3 20232023-Q4 20232024-Q1 20242024-Q2 20242024-Q3 20242024-Q4 20242025-Q1 20252025-Q2 20252025-Q3 20252025-Q4 20252026-Q1 20262026-Q2 20262026-Q3 2026

Earnings

BFH recent earnings
Report dateQuarter endingEPS estimateEPS reportedSurpriseSurprise %
Jan 28, 2027Dec 30, 20261.49———
Oct 22, 2026Sep 30, 20263.343.84+0.50+14.97%
Jul 23, 2026Jun 30, 20262.743.55+0.81+29.56%
Apr 23, 2026Mar 31, 20263.004.18+1.18+39.33%
Jan 29, 2026Dec 31, 20250.402.07+1.67+417.50%
Oct 23, 2025Sep 30, 20252.114.02+1.91+90.52%

Upgrades / downgrades

BFH analyst upgrades and downgrades
DateFirmActionFromTo
Oct 23, 2026BarclaysmainEqual-WeightEqual-Weight
Oct 23, 2026TD CowenmainHoldHold
Oct 6, 2026TD CowenmainHoldHold
Oct 5, 2026BarclaysmainEqual-WeightEqual-Weight
Oct 1, 2026Evercore ISI GroupmainOutperformOutperform
Sep 11, 2026Wells Fargoinit—Equal-Weight

About Bread Financial Holdings, Inc.

Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services, including risk management solutions, underwriting, and funding services for private label and co-brand credit card programs, as well as through Bread Pay partnerships. The company also manages and services the loans it originates for private label, co-brand, and general-purpose credit card programs, and installment loans and split-pay products; and provides marketing, and data and analytics services. In addition, it offers an enhanced digital suite that includes a unified software development kit, which provides access to its suite of products, as well as promotes credit payment options earlier in the shopping experience. Further, the company through Bread Pay, a digital payments platform and robust suite of application programming interfaces allows merchants and partners to integrate online point-of-sale financing and other digital payment products. Additionally, it offers retail and deposit products, primarily in the form of certificates of deposit and high-yield savings accounts, including traditional and Roth Individual Retirement Accounts. The company offers its products under the Bread, Bread Financial, Bread Cashback, Bread Rewards, Bread Pay, and Bread Savings brands. The company was formerly known as Alliance Data Systems Corporation and changed its name to Bread Financial Holdings, Inc. in March 2022. Bread Financial Holdings, Inc. was incorporated in 1995 and is headquartered in Columbus, Ohio.

Sector
Financial Services
Industry
Credit Services
Country
United States

News

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Insider holders

BFH insider holders
InsiderRelationLatest transactionDateShares held
ANDRETTA RALPH J.Chief Executive OfficerSaleMay 28, 2026582,241
BALLOU ROGER HDirectorStock GiftFeb 18, 202639,766
BEBERMAN PERRY S.Chief Financial OfficerStock Award(Grant)Feb 16, 2026121,570
CAMPBELL JONATHAN BRYANOfficerStock Award(Grant)Feb 16, 202638,877
DRISCOLL ALLEGRA SChief Technology OfficerStock Award(Grant)Feb 16, 202660,780
GERSPACH JOHN CDirectorStock Award(Grant)Oct 14, 202656,278

Institution ownership

BFH institution ownership
Holder% heldSharesValueReported
Blackrock Inc.10.24%3,888,457401.95MJun 29, 2026
Dimensional Fund Advisors LP8.15%3,092,208319.64MJun 29, 2026
Vanguard Portfolio Management LLC6.91%2,621,816271.02MJun 29, 2026
American Century Companies Inc4.72%1,791,190185.16MJun 29, 2026
Allianz Asset Management GmbH4.71%1,788,468184.87MJun 29, 2026
Vanguard Capital Management LLC4.63%1,757,637181.69MJun 29, 2026

Fund ownership

BFH fund ownership
Holder% heldSharesValueReported
iShares Trust-iShares Core S&P Small-Cap ETF4.08%1,549,341160.16MSep 29, 2026
American Century ETF Trust-Avantis U.S. Small Cap Value ETF3.32%1,260,540130.30MSep 29, 2026
VANGUARD INDEX FUNDS-Vanguard Total Stock Market Index Fund3.21%1,219,025126.01MJun 29, 2026
VANGUARD INDEX FUNDS-Vanguard Small-Cap Index Fund2.32%880,26890.99MJun 29, 2026
PIMCO Equity Series-PIMCO RAE US Small Fund2.07%786,08281.26MJun 29, 2026
DFA INVESTMENT DIMENSIONS GROUP INC-U.S. Small Cap Value Portfolio1.91%724,77474.92MJul 30, 2026
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